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One sentence in.
A model out in 60s.

Koala builds a fully-linked income statement, balance sheet, and cash flow in under 60 seconds. Then it explains every line in plain English.

Under 60 seconds to first model
Every line explained
No credit card
Acme Corp · Financial Model · FY 2025-2026
BaseOptimisticStress
Income Statement
Cash Flow
Balance Sheet
Analytics
ARR
$7.85M
↑18.2%
EBITDA Margin
17.1%
↑3.0 pp
Net Income
$891K
↑24.7%
Cash Runway
34 mo
Healthy
Revenue & Net Income · H1 2025
RevenueNet Income
JanFebMarAprMayJun
Line item
Q1 25
Q2 25
Q3 25
Q4 25
Revenue
$840K
$920K
$1,050K
$1,180K
Cost of Revenue
($336K)
($368K)
($420K)
($472K)
Gross Profit
$504K
$552K
$630K
$708K
Operating Expenses
($399K)
($414K)
($459K)
($498K)
EBITDA
$105K
$138K
$171K
$210K
Net Income
$92K
$128K
$158K
$201K
AI"|"Ask AI →
< 60s
From description to first model
3
Live scenarios per model
17+
Industry benchmarks built in
100%
Statements auto-linked
Export to Excel
Download any model as a fully formatted spreadsheet: every statement and period, in one click.
Import your numbers
Export a CSV from Excel, Google Sheets, or your accounting tool and Koala builds an editable model around it.
Share a live link
Send investors an interactive report they can explore themselves, not a dead PDF or email attachment.

Everything the big tools do,
plus the things they can't.

Legacy reporting platforms work only after you have historical data. Koala lets you build, project, and stress-test from day one.

“B2B SaaS, $30K MRR, 18mo runway”
↓ AI extracts
Revenue growth 8.5%/moGross margin 72%Opex ratio 41%

AI-Driven Assumption Engine

Exclusive

Describe your business in plain English. Our AI generates a validated, sector-calibrated 3-statement model with realistic assumptions. No spreadsheet, no accounting data required.

OptimisticBaseStress

Dynamic Multi-Scenario Architecture

Base, Optimistic, and Stress scenarios run simultaneously and stay fully linked. Pressure-test your downside without rebuilding: toggle and compare in real time.

AI“What if headcount grows 30% in Q3?”
Opex
+$42K
Net Income
-$18K
Cash runway
-3 mo

Conversational What-If Analysis

"What if we expand headcount 30% in Q3?" The AI proposes exact line-item changes with a diff preview. Apply or discard, with full undo history included.

Income Statement$201K
Cash Flow$201K
Balance Sheet$201K

Automated 3-Statement Integration

Every assumption flows automatically through Income Statement → Cash Flow → Balance Sheet. No manual reconciliation, no broken links, no version chaos.

koala.app/r/acme-fy26

Investor-Ready Live Reports

Share a live, interactive report, not a dead PDF. Your investors and board explore the numbers themselves, drilldown and all. One-click pitch one-pager included.

Your gross margin72%
Industry median64%

Institutional Benchmarking

Compare your margins, growth rates, and unit economics against sector data across 17+ industries. Anchor your plan in reality before walking into the boardroom.

From a sentence to an investor-ready model.

1

Describe your business

Type one sentence: "B2B SaaS, $30K MRR, targeting $5M ARR, 18-month runway." Koala reads your sector, stage, and scale automatically.

2

Model builds itself

A fully-linked Income Statement, Cash Flow, and Balance Sheet, seeded with sector-calibrated assumptions and three live scenarios, in under 60 seconds.

3

Refine, share, raise

Adjust any assumption, run what-if scenarios with the AI advisor, then share a live interactive report directly with your investors or board.

Free learning library

Never read a balance sheet? Start here.

A plain-English library that turns the three financial statements from intimidating to obvious. No jargon, no accounting degree, no cost.

Pricing

Free to build. Pay only for AI.

Every model, statement, scenario and export is free forever. Koala Pro just adds unlimited AI.

Free

For building and sharing models

$0forever
  • Unlimited financial models
  • Income, balance sheet & cash flow statements
  • Multi-scenario analysis & industry benchmarks
  • Excel export & shareable investor links
  • 3 AI credits to try the assumption engine
Get started free
Koala Pro

For unlimited AI-assisted modeling

$9/month
Billed monthly · cancel anytime
  • Unlimited AI Advisor: ask anything about your model and apply changes instantly
  • Unlimited Build-from-description: a full 3-statement model from a sentence
  • Priority AI model access
  • Everything in Free: unlimited models, scenarios, benchmarks, Excel and sharing
Upgrade to Pro

Questions, answered.

Is my financial data private?

Yes. Your models are encrypted in transit and at rest, tied to your account, and never used to train AI models or shared with anyone else. You can delete your data at any time from account settings.

Is the AI's output accurate?

The AI seeds your model with sector-calibrated assumptions based on the business description you give it, not a guess pulled from thin air. It's a fast, reasonable starting point, not a substitute for your own judgment: every number is fully editable, and the model stays a normal spreadsheet-style model underneath.

Can I edit assumptions the AI got wrong?

Yes, every cell and every assumption. Nothing is locked. You can override any line by hand, or describe the change in plain English and let the AI apply it with a diff preview before it touches your model.

Do investors accept AI-built models?

Investors care about the numbers and the reasoning behind them, not which tool built the spreadsheet. Koala models are fully-linked, standard 3-statement models you can inspect line by line, export to Excel, or share as a live report — the same format investors already expect.

Your investors expect
institutional quality.

Build your first 3-statement model in under 60 seconds. No spreadsheet, no finance degree, no credit card.

Build your model free
No credit card · Free forever · Encrypted & private
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Questions or feedback?

Tell us what you’re building, report a bug, or suggest a feature. We read every message and usually reply within a day.